Terms & Conditions

a)       This Healthy You, Wealthy You Campaign ("Campaign") is organised by AIA Bhd. and AIA PUBLIC Takaful Bhd. (“AIA Malaysia”, “we”, “our” or “us”). By joining this Campaign, you (“you”, “your” or “customer”) agree that you have read, understood and agreed to be bound by the Terms and Conditions of this Campaign and by any change or modification that we may make to this Campaign and/or the Terms and Conditions of this Campaign with prior notice to you. By joining this Campaign, you further agree to be bound by our Privacy Policy accessible at https://www.aia.com.my/en/index/privacy-statement.html

b)       Campaign Period: 1 July 2023 to 31 July 2023, both dates inclusive (“Campaign Period”)

c)       Eligible Products

·         A-LifeLink 2, A-Life Joy Xtra, A-Life Beyond Critical Care (underwritten by AIA Bhd.); and

·         A-Life Idaman, A-Life Kritikal Protector (underwritten by AIA PUBLIC Takaful Bhd.)

d)       Campaign Mechanism and Campaign Reward: Refer to the Campaign Mechanism & Reward table above (“Campaign Mechanism” and “Campaign Reward”).

e)       Campaign Eligibility

·         This Campaign is open to all customers who purchased / participated in any of the Eligible Products with minimum Annualised Premium / Contribution of RM4,200 during the Campaign Period. Application must be received during the Campaign Period and activated by 16 October 2023. In order to qualify for this Campaign, for adult application (i.e. with entry age 16 or above), the Insured / Person Covered must be an AIA Vitality member. AIA Vitality membership must be signed up or active upon new application submission in iPoS and must be remained active prior to and upon the payment of Campaign Reward. The policy / certificate owner must also download and login to My AIA application (“app”) latest by 31 March 2024 (“Eligible Policy / Certificate”).

For juvenile application (applicable to pre-natal and / or Insured  / Person Covered  with entry age 0 to 15 years old) under A-Life Joy Xtra and A-Life Idaman, the policy / certificate owner (i.e. the applicant) must join AIA Vitality membership. Juvenile application (applicable to Insured  / Person Covered  with entry age 0-15 years old) under A-Life Kritikal Protector is not eligible to the Campaign as AIA Vitality membership is only open for Insured  / Person Covered  aged 16 years old and above.

·         The annualised premium/contribution is based on the total premium/contribution amount inclusive of A-Plus Saver, A-Plus Saver-i, A-Plus ScholarSaver, A-Plus Health Enhancer, A-Plus Enhancer-i and any rider premium/contribution.

·      The calculation of the premium / contribution cashback shall EXCLUDE any saver and / or top-up premium / contribution such as A-Plus Saver, A-Plus Saver-i, A-Plus ScholarSaver, A-Plus Health Enhancer, A-Plus Enhancer-i and AIA Vitality membership fees.

·         Vitality Health Check (“VHC”) must be conducted within 1 January 2023 to 31 March 2024 and the VHC Result must be uploaded into My AIA app via AIA Vitality platform latest by 31 March 2024. VHC is a quick test which consists of 4 tests i.e. Body Mass Index (BMI), blood pressure, blood glucose and cholesterol.

·         By participating in the Campaign, you will submit the VHC Result into My AIA app via AIA Vitality platform offered and operated by AIA Health Services Sdn. Bhd. (“AHS”). AHS will review the VHC Result submitted by you and will only inform AIA Bhd. and/or AIA PUBLIC Takaful Bhd. on the Eligible Policy / Certificate that are qualified for the Campaign Reward. AIA Vitality Terms & Conditions shall apply.

Healthy VHC Results are defined as follow:

o    BMI: 18.5 – 24.9

o    Blood Pressure: <=120/80mmHg

o    Blood Glucose (Fasting): <5.6mmol/L & (Random): <7.8mmol/L

o    Total Cholesterol: <5.2mmol/L

·         The Campaign is only applicable to application that opt to pay via payment link or pay by credit / debit card.

·         If you make any changes / transactions (e.g. increase of sum assured / covered or addition of rider) to the Eligible Policy / Certificate which require additional premium / contribution during the Campaign Period and / or before the payout of the Campaign Reward, the additional premium / contribution will not be qualified or counted in this Campaign. For reduction of premium / contribution, the Campaign Reward shall be calculated based on the reduced premium / contribution provided that the reduced premium / contribution is meeting the minimum Annualised Premium / Contribution of this Campaign. 

·         The Eligible Policy / Certificate will be disqualified from this Campaign in the event of:

o    Lapsed, surrender, termination, cancellation of the application;

o    Partial withdrawal;

o    Premium / contribution holiday;

o    Premium / contribution not paid up to date;

o    Lapsed but reinstated; or

o    Change of payment method to non e-payment method, on or before payout of the Campaign Reward.

f)        Campaign Reward will be credited and reflected in the eligible policy/certificate owner’s My AIA app latest by 31 October 2024 by AIA Malaysia in accordance with the Terms and Conditions of this Campaign. After which, it shall be deemed as full payment and AIA Malaysia shall be released and fully discharged from further liability and demand in relation to the Campaign Reward.

g)       Important Notes and Disclaimers

·         This material is not intended as an offer or solicitation for the purpose or sale of any financial instrument/product. You should satisfy yourself that the policy purchased will best serve your needs and that the premium payable under this policy is an amount that you can afford. To achieve this, we recommend that you speak to your Life Planner who will perform a needs analysis and assist you in making an informed decision. You may also contact the insurance company directly for more information.

·         You are advised to refer to the Product Disclosure Sheet, Sales Illustration, Fund Fact Sheet(s); if applicable, for further information before purchasing a policy, and to refer to the terms and conditions in the policy document for details of the features and benefits, waiting periods and exclusions under the policy.

h)       General Provisions

o    You are always solely responsible for maintaining the accuracy of your information. AIA Malaysia may request for further information from you to determine the authenticity of any information provided, including whether it is fraudulent or exaggerated.

o    AIA Malaysia may decline the Campaign Reward entitlement in the event any of the Terms and Conditions pursuant to this Campaign is not fulfilled. No appeal(s) will be entertained.

o    AIA Malaysia shall have the right to decide all matters, and disputes concerning this Campaign including substituting the Campaign Reward with other form of gifts / rewards of equivalent value.

o    AIA Malaysia shall have the right to amend the Terms and Conditions of this Campaign, and to suspend, terminate, delay or vary this Campaign with prior notice to you. The mode of notification (if any) of the amendment, suspension, termination, delay or variation shall be at AIA Malaysia's discretion, including but not limited to displaying the same in any of AIA Malaysia's website or social media sites.

o    The Campaign Reward are non-transferable and any request for Campaign Reward to be credited to a third-party account will not be entertained.